Payment System for Spending Accounts and Other Programs

1. A payment system for spending accounts comprising: a payment processing system receiving credit card registration data from a user; a qualified vendor system generating purchase data and point of sale data, wherein the qualified vendor system further comprises an expense tracking system storing the purchase data; and an account management system receiving the purchase data and point of sale data and generating authorized purchase data if the credit card registration data is associated with the point of sale data.

2. The payment system of claim 1 wherein the qualified vendor system further comprises a purchase submission system receiving request data and transmitting the purchase data to a payment processing system.

3. The payment system of claim 1 wherein the qualified vendor system further comprises an expense itemization system storing itemized data of the purchase data.

4. The payment system of claim 1 wherein the qualified vendor system further comprises an item reporting system receiving purchase data and transmitting item data of the purchase data.

5. The payment system of claim 1 wherein the qualified vendor system further comprises an account management interface system receiving request data and transmitting the purchase data to the account management system.

6. The payment system of claim 1 wherein the account management system further comprises a participant payment system receiving the purchase data and generating payment data.

7. The payment system of claim 1 wherein the account management system further comprises a source authorization system receiving source data and generating authorization data.

8. The payment system of claim 1 wherein the account management system further comprises an item authorization system receiving the purchase data and requesting item authorization data.

9. The payment system of claim 1 wherein the account management system further comprises a code authorization system receiving purchase data and code data and generating authorization data.

10. The system of claim 1 wherein the payment processing system receives an identification number and determines whether it is to be registered or used to transmit payment data.

11. The system of claim 1 wherein the account management system receives an identification number and filters transactions.

12. The system of claim 1 wherein the account management system processes source data and determines whether a report is required.

13. The system of claim 1 wherein the account management system receives the purchase data and the point of sale data from a pharmacy payment switch.

14. A payment method for spending accounts comprising: electronically receiving source data and purchase data, wherein the source data is received from an expense tracking system of a qualified vendor system; determining whether a source is qualified based on the source data using electronic data processing equipment; determining whether a purchaser is a program participant based upon credit card registration data entered by the program participant; and generating payment data if the source is qualified and the purchaser is a program participant.

15. The method of claim 14 wherein receiving source data comprises receiving point of sale device identification data.

16. The method of claim 14 wherein receiving purchase data comprises receiving purchase amount data.

17. The method of claim 4 wherein receiving purchase data comprises receiving credit card data.

18. A payment method for spending accounts comprising: electronically receiving source data and purchase data, wherein the source data is received from an expense tracking system of a qualified vendor system; electronically determining whether a source is qualified based on the source data, using data processing equipment; determining whether a purchaser is a program participant based upon registration data that identifies the program participant; and generating payment data if the source is qualified and the purchaser is a program participant.

19. The method of claim 18 wherein the registration data comprises a social security number.